SEKUQUBUKE impikiswano enomsindo phakathi kwamabhange nemithombo yokubolekisa ngemali, ngasohlangothini olulodwa, ngakolunye nohulumeni kubangwa umthetho omusha oyisichibiyelo obizwa ngeNational Credit Amendment Act, abaningi abawubiza ngeDebt Relief Bill, abanye bathi “umthetho wokucisha izikweleti”.
Lo mthetho ushicilelwe ngokusemthethweni ngemuva kokusayinwa uMengameli Cyril Ramaphosa ngesonto eledlule.
Selokhu kwathi nhlo, iningi labadla izambane likapondo, ikakhulukazi labo abafundile, abazi amalungelo abo, bayazi ukuthi uma sebebhekwe yisambane izimo zingasahambi kahle kwezezimali, bamane baye enkantolo bafake isicelo sokuthi kuthiwe sebeyizichaka ngaphansi kwemithetho ephathelene nalokho.
Umuntu osekuthiwe uyisichaka, ezinye zezimpahla zakho ziyadayiswa. Nemali yakho esemabhange idliwa yilowo oqokwe yinkantolo ukuthi kube nguye umahluleli wamafa.
Konke loku kuye kuqoqwe ndawonye, bese kuthiwa kubantu abakweletwayo mabafake amagama abo ukuthi bakweletwa malini.
Imali etholakala ngemuva kokudayiswa kwenye yezimpahla eziqoqiwe, nemali enye eqoqiwe, kube sekuhlanganiswa ndawonye ukuze kukhokhelwe abakweletwayo.
Okujwayeleke ukuthi kwenzeke ukuthi ungathola ukuthi imali ekhona inganela kuphela ukukhokha, mhlawumbe, ingxenye engu-20% yaleso naleso sikweletu, okusho ukuthi abakweletwayo baye balahlekelwe ingxenye enkulu yabakukweletwa ngabantu osekuthiwe sebeyizichaka.
Uma inkantolo isizamukele zonke izincomo zokuthi umuntu kuthiwe useyisichaka, lokho kuyamkhulula ezikweletini zakudala, ukuze akwazi ukuqala impilo kabusha.
Kuba nemibandela ethile okumele ahambe ngayo ngaphambi kokuba avunyelwa ukuthi angaphinda athenge ngesikweletu. Lokhu kufaka nokuthi kumele ahlale ekubeka ngokusobala ukuthi sewake wachazwa njengesichaka ngokusemthethweni yinkantolo.
Abagcina imininingwane ngezikweleti bayayigcina leyo mininingwane.
Kumele kucace ukuthi abafake izicelo zokuthi kuthiwe bayizichaka abashiywa bengasele nalutho ukuthi bangaphila ngakho. Kukhona izimpahla nemadlana abasala nakho ukuthi bangaziphilisa ngakho besazama ukuphinda bakwazi ukwenza isimo sibe ngcono.
Inkinga yabantu abaningi abahluphekayo nabahola kancane, kakhulukazi abohlanga olumnyama, ukuthi ngezikhathi eziningi abanalo lolu lwazi ngomthetho, i-Insolvency Act, ukuthi bangazivikela kanjani ngawo.
Okwenzekayo-ke uthola ukuthi bazithola “sebenesikweleti esingapheli” lapho uthola ukuthi izimboni zokubolekisa ngemali zihlala zibalandela zifuna imali yazo lapha, lokho okuyilungelo lazo.
Inkinga kube sekuba wukuthi ababolekisa ngemali baba nehaba, kuthi umuntu ekweleta, mhlawumbe uR993 bamfake kubameli; ummeli afake eyakhe imali, mhlawumbe uR2700, yokuqoqa isikweleti.
Lo muntu uzithola esekweleta uR3 693, ebe ebehlulwa ukukhokha uR993. Uzowukhoka kanjani lo R3 693?
Yilezi zimo ezenza abantu abaningi babe sebetholakala behlala bebalekela abaqoqi bezekweletu, abanye babaqoqi bezikweleti basebenzisa izindlela ezingekho emthethweni, njengokudla impahla yokweletayo ngaphandle kokulandela imigudu efanelekile.
Abanye abaqoqi bezikweleti basebenzisa nesankahlu, udlame, njengoba kwakwenza uLaqhasha wesagila emdlalweni kamabonakude owawubizwa Sgudi Snaysi.
Enye inkinga ngezikweleti ezingapheli wukuthi ababolekisi bemali babuye balokhu bedayisa khona ngezikweleti lapho othola khona ukuthi owathenga izikweleti naye ufaka ezakhe izindleko ezintsha.
Ngeke sikubalekele ukukusho ukuthi le nkinga ithinta kakhulu uhlanga olumnyama oluhola kancane futhi olungafundile okutheni.
Yingalokho-ke iPhalamende nohulumeni bagcine bethe kumele kwenziwe okuthile ukulungisa lesi simo.
Kube sekushicilelwa izichibiyelo esezikhona ezibizwa “Debt Relief Bill” kwiNational Credit Amendment Act. Izichibiyelo, ikakhulu izigaba 86A, 87A, 88A, no-88B, zizama ukunika abahola uR7 500 nangaphansi ngenyanga, futhi bekweleta imali enguR50 000 nangaphansi kwezikweleti ezingavikelekile, ukuthi iNational Credit Regulator neNational Consumer Tribunal, bangenza ngaphansi kwezimo ezithile ukuthi okweletayo:
(1) Avunyelwe ukuthi izikweleti zakhe akwazi ukuthi angazikhokha ngendlela emvumela ukuthi angakhokha imali ethe ukuba ncanyana ngenyanga, mhlawumbe ngokuthi kunwetshwe isikhathi sokukhokha leso sikweletu; mhlawumbe ngokuthi kwehliswe inzalo emalini ebolekiwe.
(2) I-National Consumer Tribunal izovunyelwa ukuthi ingake imise okwesikhashana ukukhokwa kwesikweleti ngesikhathi ongene obishini lwezikweleti esazama ukubamba umoya, esazama ukwenza izinto zibe ngconywana.
(3) Ngaphansi kwezimo ezehlula ukwenza, iNational Consumer Tribunal ingacisha ingxenye yesikweleti noma yezikweleti noma isicishe sonke noma izicishe zonke, isikhathi esingunyaka esingaphinde sengezelwe ngomunye unyaka.
Lo mgomo wesithathu yiwona osususe uhlevane, lapho abanye abababolekisi bezimali sebesonga ngokuthi sebezoba manqikanqika ukubolekisa ngemali kwabahola kancane.
Ningabashayi indiva abasabisa ngokungaqhubeki nokubolekisa ngemali kwabahola kancane, “amahobosha nje lawo”.
Akukho olutheni olushintshile, wukuthi-nje labo abahola kancane “nabangafundile” sebezothola amalungelo acishe afane nawakade atholwa ngabadla izambane likapondo ngaphansi komthetho omdala we-Insolvency Act.
Akulona iqiniso ukuthi lezi zichibiyelo ezintsha zizobhebhezela ukuboleka imali budlabha kubantu abahola kancane.
Lo mthetho usuvele ukucacisa ngokusobala ukuthi ababolekisa ngemali benze ucwaningo olunzulu ukuthi ababolekwa imali bazokwazi yini ukukhokha izikweleti, ngale kwalokho abantu ababolekisa imali budlaba bangamangalelwa.
* USolwazi Bonke Dumisa uyisazi somnotho nezomthetho, ubuye ahlale emakomidini abhekelela abathengi.